Ilyce Glink on WSB Radio – April 16, 2006
In her April 16 show, Ilyce Glink offers her WSB listeners useful real estate advice, personal finance advice, and tips on making life just a little bit easier.
Job Advice: Best Way To Ask For A Raise
Job advice that pertains to every employee is the best way to ask for a raise. One of the most important pieces of job advice when asking for a raise is to have a plan to explain why you deserve the raise. Another important piece of job advice when asking for a raise is know the statistics about what the average person in your same job is making.
Switching IRA Due To High Charges
To be responsible for your personal finances and retirement savings, you should always evaluate charges to accounts. A low balance fee, especially if you're already paying a maintenance fee, may be unnecessary. If you are being hit with extra charges on your savings accounts, investigate switching to a different financial institution. You should be able to make the switch happen electronically, so there is no withdrawal on the account, and you won't be taxed or penalized by the IRS.
Selling Entire Neighborhood To Developer
A neighborhood is thinking about selling all of their properties to a developer. They are working out how to make sure each homeowner is compensated equitably. Selling an entire neighborhood will be a very complex deal and a top rated real estate agent and developer need to be consulted.
Selling Appliances With The Home
In some areas, home buyers typically expect a house to come with appliances. But in others, home sellers take the home's appliances with them. If you want to take your appliances with you when you sell, it's safe to specifically exclude them in writing in the contract.
Refinancing When Interest Rates Are Climbing
Many homeowners who have adjustable rate mortgages are closing watching the rising mortgage rate. If you have a great rate, you should wait as long as possible to refinance. If you start paying down your loan quickly, you can help avoid a huge payment increase when it is time to refinance.
Monthly Debt Effects Mortgage Loan Eligibility
Any time you take out a loan, whether it is personal, credit card, school, auto, or a mortgage, it lowers the total amount you can borrow to buy real estate in the future. Mortgage lenders take a look at your monthly debt service and subtract that number from the total amount you have available to pay your total debt service.
Job Advice: Mistakes People Make When Asking For A Raise
This article focuses on job advice for people who want to ask their bosses for a raise. The first piece of job advice: becoming emotional when asking for a raise is a big mistake that just makes people uncomfortable. Another piece of job advice when asking for a raise: don't approach your boss unprepared.
How To Negotiate A Great Raise
Want to get paid like a man? You might have to learn to negotiate like one. "Women are getting savvier when it comes to negotiating with their bosses...
Court Assigns Guardian For Elderly Homeowner
A homeowner who is in a nursing home and has a management company assigned by the court to manage her home. Her home of 28 years was foreclosed back in early 2005. The management company was not her guardian at the time. But, her son wants to redeem this house and have her quit claim a deed to him. Is this legal? There could be all kinds of legal problems with this arrangement.